MandatumMANDF -7.17%34 Net Margin % is 7.66% as of Mar. 2026, which is 37% below its 10-year median of 12.07. GuruFocus rates MANDF with a GF Score™ of 34/100 and a GF Value™ of $5.85 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 112 Diversified Financial Services companies, Mandatum ranks better than 50% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Mandatum's Net Income for the
three
months ended in Mar. 2026 was $-14 Mil. Mandatum's Revenue for the
three
months ended in Mar. 2026 was $-187 Mil. Therefore, Mandatum's net margin for the quarter that ended in Mar. 2026 was 7.66%.
The historical rank and industry rank for Mandatum's Net Margin % or its related term are showing as below:
MANDF'
s Net Margin % Range Over the Past 10 Years
Min: -69.23 Med: 12.07 Max: 15.93
Current: 8.28
MANDF's Net Margin % is ranked better than 50% of 112
companies
in the Diversified Financial Services industry
Industry Median: 8.24
vs MANDF: 8.28
Mandatum (OTCPK:MANDF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Mandatum Net Margin % Related Terms
Mandatum Net Margin % Historical Data
* Premium members only.
The historical data trend for Mandatum's Net Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Financial Conglomerates subindustry, Mandatum's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Mandatum Net Margin % vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, Mandatum's Net Margin % distribution charts can be found below:
* The bar in red indicates where Mandatum's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Mandatum (MANDF) has a Net Margin % of 7.66% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Mandatum and its competitors. This is 37% below median its historical median of 12.07. According to the industry distribution chart, Mandatum ranks #56 out of 112 companies in the Diversified Financial Services industry, placing it in the top 50%.
Is Mandatum's Net Margin % too high?
Mandatum's current Net Margin % of 7.66% is 37% below median its 10-year median of 12.07. The Diversified Financial Services industry median Net Margin % is 8.24. Mandatum's value of 7.66% is 7% below this industry median. Based on the distribution chart, Mandatum ranks #56 out of 112 companies in the Diversified Financial Services industry, which is above the industry midpoint. Overall, Mandatum has a GF Score™ of 34/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mandatum's Net Margin % compare to FRHC and VOYA?
According to the Diversified Financial Services industry distribution chart, Mandatum ranks #56 out of 112 companies for Net Margin %. This puts Mandatum in the upper half of its industry. The industry median Net Margin % is 8.24. Mandatum's value of 7.66% is 7% below this benchmark. While the company's 10-year median is 12.07 vs. the industry median of 8.24, Mandatum has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Diversified Financial Services company?
The median Net Margin % among Diversified Financial Services companies is 8.24, based on 112 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mandatum's current Net Margin % of 7.66% is 7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Mandatum and its competitors. For the Diversified Financial Services industry, the median Net Margin % is 8.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mandatum's current Net Margin % is 7.66%, which is 37% below median its own 10-year median of 12.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mandatum stock overvalued right now?
Based on GuruFocus' analysis, Mandatum (MANDF) is currently considered Significantly Overvalued. The stock's GF Value™ is $5.85, compared to a current price of $7.66 — trading 30.9% above its estimated fair value. The current Net Margin % is 7.66%, which is 37% below median its 10-year median of 12.07 and 7% below the Diversified Financial Services industry median of 8.24. Mandatum's overall GF Score™ is 34/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Mandatum (MANDF), the current Net Margin % is 7.66% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Mandatum (MANDF) Overvalued in 2026?
Based on GuruFocus' analysis, Mandatum stock appears to be overvalued.
The current stock price of $7.66 is trading 30.9% above its estimated GF Value™ of $5.85.
GuruFocus considers Mandatum to be Significantly Overvalued.
Key valuation signals for MANDF:
Net Margin %: 7.66% (37% below median its 10-year median of 12.07)
GF Value™: $5.85 vs. price of $7.66 (30.9% above fair value)
Industry Position: 7% below the Diversified Financial Services median (#56 of 112)
No single metric tells the full story. See the MANDF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mandatum PLC is a financial services provider that combines expertise in wealth management and life insurance. It offers clients a wide array of services covering asset and wealth management, savings and investment, compensation and rewards as well as pension plans and personal risk insurance. The reportable segments are: Institutional & wealth management, Corporate clients, Retail clients and With-profit business.
34GF Score
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